> There's no reason a bank account shouldn't be programmable

Agreed.

But until we have a better system of plainly showing access levels to one's account its a scammer paradise to allow access via said API.

You and I are educated in the world of API access, so will think twice before clicking "agree" to allowing emoji corp access to my bank account to "verify your identity", but a significant number of people would blindly click allow. Until we have either educated the public, or made an access GUI that stops 99.9% of that kind of use case, its just not worth the hassle.

There's no difference between this and the transfers I can do on my bank's website. If anything, having a government crypto account would mean that the government would know who was on both ends of every transaction made through it, and could trivially reverse payments.

> But until we have a better system of plainly showing access levels to one's account its a scammer paradise to allow access via said API.

Nobody says such API would be connected to a person's life holdings. It could be low amounts that are safe to lose in case of a hack.

Of course, you need to educate people to not put all their life savings into those accounts. But the same applies to multiple other services.

It looks like "Serveless is wrong word!" discussion. (I agree both)